Cleveland, TN · Charter 67976
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.13% | -1.15% | -0.29% | -0.02% | 0.07% | 0.15% | 0.29% | +59 bps | |
| Return on Equity | -1.84% | -1.14% | -11.02% | -2.73% | -0.20% | 0.64% | 1.42% | 3.06% | +579 bps | |
| Net Interest Margin | 2.96% | 2.94% | 3.14% | 3.31% | 3.27% | 3.41% | 3.39% | 3.29% | -3 bps | |
| Efficiency Ratio | 94.15% | 93.80% | 95.45% | 91.87% | 90.85% | 90.93% | 89.76% | 85.08% | -679 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | -3.83% | 1.10% | 3.68% | 9.66% | 2.35% | 4.59% | 16.12% | +1,244 bps | |
| Loan Growth (YoY) | -15.27% | -15.81% | -21.64% | -19.15% | -18.28% | -21.41% | -17.29% | -11.79% | +735 bps | |
| Share Growth (YoY) | -4.73% | 0.10% | 6.13% | 0.63% | 5.46% | 2.19% | 4.28% | 20.31% | +1,968 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.66% | 0.92% | 0.04% | 0.59% | 0.66% | 0.57% | 1.17% | +113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.76% | 11.26% | 10.41% | 10.76% | 10.57% | 11.08% | 10.33% | 9.60% | -116 bps | |
| Net Worth / Assets | 11.76% | 11.26% | 10.41% | 10.76% | 10.57% | 11.08% | 10.33% | 9.60% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.54% | 45.83% | 40.72% | 40.41% | 38.39% | 35.24% | 32.29% | 29.62% | -1,078 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |